The original independent mortgage broker
John Charcol is the original independent mortgage broker in the UK. We're award-winning with 50 years of experience in finding the best mortgage rates for every type of buyer.
Excellent
4.88 Average Rating
Speak to a Mortgage Adviser
Fill out this form and we'll contact you to book a free call with one of our mortgage experts.
We work with more than 120 mortgage lenders, including:
First-Time Buyer
It doesn’t need to be difficult. We’ll guide you through, right up to the day you move in. Start your homeownership journey in 3 easy steps.
Remortgage
Nearing the end of your fixed term? Or maybe it’s just time for a better mortgage rate? See what mortgages deals are on the market right now.
Moving Home
Let us take care of everything: the mortgage, the application, conveyancing, protection, removals, utilities. Make your move easy.
Buy-to-Let
Your mortgage will affect the profit potential of your buy-to-let investment. Use our best buy tool to compare current mortgage rates.
Second Charge Mortgages
Want to hang onto your current fixed rate but also release some equity? We're second charge experts.
Bad Credit Mortgages
Worried about getting a mortgage with bad credit? Here's everything you need to know.
Ask Our Mortgage Experts
Get answers to complex mortgage questions, directly from our experts.
Mortgage Calculators
Ready to crunch some numbers? Get started with our free calculators.
Mortgage Affordability
Want know how mortgage affordability works and how much mortgage you can afford? Read our guide and see our Affordability Hub.
Mortgage Deposits
You'll usually need a deposit when you take out a mortgage. Here you'll find information on mortgage deposits and a range of resources.
Specialist Property
Need the right mortgage for a specialist property? Learn about mortgages for non-standard construction properties, houses with abestos and more.
Mortgage Protection
What happens if you can't make your mortgage payments due to an accident or illness? Here's why you need protection.
Expat Mortgages
It doesn’t matter how complex your case is. We’re experts. See how we can help.
Insurance Hub
Our experts can find cover tailored to you for your mortgage, income, family and more.
Compare Mortgage Rates
Compare mortgage rates on the market now with our free comparison tools.
Self-Employed
Freelancing or self-employed mortgages can seem complicated, but don't worry - we make it simple.
Get a Conveyancing Quote
If you're purchasing a property, you'll need a conveyancer. Luckily, John Charcol can refer you to an experienced conveyancer that suits your budget and timeline.
How Can an Independent Mortgage Broker Help?
We’re a whole of market mortgage broker covering the UK and Northern Ireland which means we’re not tied to any lenders; we look at products from across the entire market to find the best deal for you. Your John Charcol mortgage adviser will learn about your situation and explain your mortgage options before making a product recommendation. Once you’re happy with your recommendation, we’ll pass you over to your client relationship manager who’ll manage the rest of the mortgage process for you.
Unlike other UK mortgage brokers, finding and arranging the best mortgage for your circumstances isn’t all John Charcol do. We help you through your entire property-buying journey. Our team can find you conveyancers, insurance and protection cover. We can also help you move into your new home and set up things like utilities and Council Tax.
Ready to get started? Contact us today for the best independent mortgage advice.
We're a Mortgage Broker Trusted by Leading Brands
Why Choose John Charcol Mortgage Brokers?
We Take Care of Everything
With 50 years of service, we've seen it all. We can save you money, time and make buying your property easy.
We're Highly Recommended
We have over 2,190 5* reviews on reviews.co.uk, so you can feel confident that your mortgage is in the right hands.
We Give Personal, Expert Advice
We work around your schedule to help you arrange a mortgage that suits your circumstances, no matter how complex.
What Our Customers Say
See more John Charcol reviews here.
John Charcol
0330 057 5173£Cutlers Exchange, 123 HoundsditchLondonEC3A 7BU
Excellent
LocalBusiness2622 reviews
- LocalBusiness5
Anonymous
Verified BuyerThanks for your support on our process
Posted - LocalBusiness5
Anonymous
Verified BuyerGreat Service!
Posted - LocalBusiness5
David
Verified BuyerThe service I received from John Charcol has been 5☆. Helpful, friendly staff who take time to my needs. I would have no hesitation in recommending them.
Posted - LocalBusiness5
Mrs Samantha
Ryan has been completely professional and helpful through the whole process of finding us the right insurance. We would recommend his services 100% to anyone who is needing guidance and advice. A fantastic service.
Posted - LocalBusiness5
Anonymous
Very professional and nice staff. Thank you all, for all your hard work. It’s really appreciated.
Posted - LocalBusiness5
R
Verified BuyerHeather McLennan - Partner - "Simply Outstanding Service!" & "Overage Clause Champion!" Growing up in the 80's the phrase "Who you gonna call?" was answered by everyone shouting "Ghostbusters!!!" If someone asked me who you gonna call to sort your problematic mortgage.... i would be shouting "Heather McLennan at John Charcoal!!!" Wow... I simply can't thank Heather at JC enough for her insight, skill, knowledge, time and commitment to the curve ball that I laid in her lap, which was a last minute 'overage clause' that got thrown into our house move literally weeks before exchange. When we thought our house was rapidly disappearing into the ether because we had no chance of finding a mortgage provider weeks before exchange, Heather took the challenge completely in her her stride, calm, reassuring, friendly and with such a commitment to service, updating regularly with pretty well daily progress options and a plan of action that I welcomed her call ! I cannot recommend John Charcoals services highly enough, but if you want a personal recommendation for someone who can deal with those challenging mortgages or property purchases that you think are unattainable, then ask for Heather... because "if anyone can.... she can!" I won't use anyone else now. Thanks Heather you're AMAZING !!!
Posted
Nick Mendes’ Blog
